new windscreen and insurance

[TheAngryDog]

Tonight my M5 decided to break its screen.

I've put a claim in for a new screen, but I'm now a little concerned.

Will it affect my NCB? Some people say yes, some say no.

Also, auto glass will be fitting it. Should this concern me? Should I request a proper BMW windscreen? Will it matter?

I need the screen replaced asap as the 6" square crack is right in my eye line, and I'm meant to be going away this weekend! I doubt BMW would have a screen in anyway mind!

[B'stard Child]

No

The excess should be all you need to pay

Just make sure that the screen is the same spec - rain sensor - top tint etc

[greygoose]

Replacing a windscreen has never affected my NCB, usually there is an excess to pay (£80? Now). Autoglass would have a lot more experience of changing screens than a BMW garage so I wouldn't be too concerned about workmanship.

[TheAngryDog]

Thanks, they're calling me later today to arrange.

Should I be concerned about them doing a poor job?

It's been years since ive had a windscreen fitted (about 11 years) so not up with all the goings on

[TheAngryDog]

greygoose said:

Replacing a windscreen has never affected my NCB, usually there is an excess to pay (£80? Now). Autoglass would have a lot more experience of changing screens than a BMW garage so I wouldn't be too concerned about workmanship.

£70 for mine so not too bad. Apparently some BMW techs are trained, but who knows?

I just hope I get the guy who has done loads of E39s.

Thanks

[TheAngryDog]

Spoke with the insurance company this morning - As long as I use Autoglass then I do not lose any NCB...

[Stick Legs]

Auto glass are good.
Just done a screen on my F10 530d. Correct spec, rain sensor etc.
Not a BMW screen but no problems to report.

[TheAngryDog]

Stick Legs said:

Auto glass are good.
Just done a screen on my F10 530d. Correct spec, rain sensor etc.
Not a BMW screen but no problems to report.

Thanks, I am sure they will send me a decent guy to do it, when I eventually get a phone call!

[Glassman]

TheAngryDog said:

Spoke with the insurance company this morning - As long as I use Autoglass then I do not lose any NCB...

..but if you don't, you will?

OEM glass is best, but more importantly, it's the fitting.

[Vyse]

You will need to declare you made a claim next time you renew your insurance.

[B'stard Child]

Vyse said:

You will need to declare you made a claim next time you renew your insurance.

Never have and never will unless asked and that's never happened.

[surveyor]

I've always declared, but it's never made a difference

[Glassman]

http://forums.moneysavingexpert.com/showthread.php...

[TwigtheWonderkid]

B'stard Child said:

Vyse said:

You will need to declare you made a claim next time you renew your insurance.

Never have and never will unless asked and that's never happened.

You've never been asked if you've made any claims in the last 3 years??? Seems very strange. Unless you've taken the unilateral decision that windscreen claims don't count, unless they ask you specifically about windscreen claims. Which would be equally as strange.

[Glassman]

TwigtheWonderkid said:

You've never been asked if you've made any claims in the last 3 years??? Seems very strange. Unless you've taken the unilateral decision that windscreen claims don't count, unless they ask you specifically about windscreen claims. Which would be equally as strange.

This seems to be a common misconception, that a claiming for a windscreen does not count as a claim.

[crossy67]

Glassman said:

TheAngryDog said:

Spoke with the insurance company this morning - As long as I use Autoglass then I do not lose any NCB...

..but if you don't, you will?

OEM glass is best, but more importantly, it's the fitting.

That would be an unfare trading practice then?

An experienced glass fitter (not just Autoglass) would generally do a better job (although not always, some just don't care). You pay to insure a BMW, not a BMW ChanLee hybrid, use genuine glass if possible, if Autoglass try to fit a Shatterpruf windscreen tell them to fk right off, you really don't want one of those in your car.

People are obsessed with NCB (some insurers will freeze it for a glass claim). It's easy to see if they've reduced your NCB but what about your premium? Has anyone ever been told how much the premium would have been if they hadn't had a glass claim?

More than one way to skin a cat.

[Depthhoar]

Some have experienced increased wind noise and other issues on the E39 after windscreen replacement. There's a load of stuff over on M5board about this, apparently there's a BMW procedure for replacing the glass involving correct spacers, an alignment tool and pre-tensioning the top of the windscreen. It's here:

http://www.m5board.com/vbulletin/e39-m5-e52-z8-dis...

[crossy67]

I have seen quite a few with really badly fitted screens. In all honesty it's due more to stty glass than fitting a lot of them seem to be too narrow so the sides of the trim don't want to stay put.

[xjay1337]

Had a replacement windscreen on my Golf.

Not a genuine one but Autoglass man fitted it... no wind noise, although they don't clean the glass well at all, inside it would steam up quite horribly so needed a good clean... after that though, was fine.

Did not effect my NCB, as I checked with my insurers beforehand. £75 excess though.

[dibblecorse]

B'stard Child said:

Never have and never will unless asked and that's never happened.

Yes you have, EVERY year you are asked 'Any accidents, claims or losses in the last x years' and EVERY year you will have answered, either by phone or by signing and returning your docs etc ...